by Saqib Khan | May 8, 2025 | Conveyancing, General, Landlord and Tenant Law, People
Buying your first home is an exciting milestone! But navigating the legal process, known as conveyancing, can feel daunting. At KhanMather, we understand this, and we’re here to guide you through every step, ensuring a smooth and stress-free journey to your new home.
What is Conveyancing?
Conveyancing is the legal process of transferring ownership of a property from the seller to you, the buyer. It’s more than just signing paperwork; it involves thorough checks to ensure you’re buying a property free from legal issues.
Why Choose KhanMather for Your Conveyancing?
At KhanMather, we pride ourselves on providing a personalised and transparent conveyancing service. We understand that buying your first home is a significant investment, and we’re committed to:
• Clear Communication: We’ll explain complex legal jargon in plain English, keeping you informed at every stage.
• Proactive Approach: We’ll anticipate potential issues and work diligently to resolve them promptly.
• Dedicated Support: You’ll have a dedicated solicitor to answer your questions and provide expert advice.
• Competitive Fees: We offer transparent and competitive fixed fees, so you know exactly what to expect.
• Local Expertise: We have a deep understanding of the local property market and legal landscape.
The Conveyancing Process: A Step-by-Step Guide
1. Instructing Your Solicitor:
o Once your offer is accepted, contact KhanMather to instruct us as your conveyancing solicitors.
o We’ll gather your information and provide you with a detailed quote.
2. Initial Checks and Enquiries:
o We’ll review the draft contract and raise enquiries with the seller’s solicitor.
o We’ll conduct essential searches, including local authority, water, and environmental searches, to identify any potential issues.
3. Mortgage Offer Review:
o We’ll carefully review your mortgage offer to ensure it aligns with the property details and your requirements.
4. Survey Results:
o If you’ve commissioned a survey, we’ll review the findings and advise you on any necessary actions.
5. Contract Exchange:
o Once all enquiries are satisfied and your mortgage offer is confirmed, we’ll exchange contracts with the seller’s solicitor.
o This is a legally binding commitment to purchase the property.
6. Pre-Completion Checks:
o We’ll carry out final checks, including a land registry search and a bankruptcy search.
7. Completion:
o On the agreed completion date, we’ll transfer the purchase funds to the seller’s solicitor.
o You’ll receive the keys to your new home!
8. Post-Completion:
o We will Register the property in your name at the land registry.
o We will also ensure that stamp duty land tax has been paid.
Common Conveyancing Concerns for First-Time Buyers:
• Understanding legal jargon: We’ll break down complex terms and explain everything in a clear and concise manner.
• Dealing with delays: We’ll proactively manage the process to minimise delays and keep you informed of any potential issues.
• Budgeting for costs: We’ll provide a transparent breakdown of all costs involved, including stamp duty land tax, search fees, and legal fees.
Ready to Take the Next Step?
Don’t let the complexities of conveyancing overwhelm you. At KhanMather, we’re dedicated to providing a seamless and stress-free experience for first-time buyers.
Contact Hannah today on 0161 850 9911 for a free, no-obligation quote and let us help you turn your dream of homeownership into a reality.
by Saqib Khan | Apr 17, 2025 | Business, Conveyancing, General, Landlord and Tenant Law, People
The tariff’s that President Donald Trump has imposed on all countries is now having a dramatic effect on the world’s markets. we address this below in our article.
Economic Uncertainty
o Tariffs create uncertainty in global markets. This uncertainty can lead to reduced investor confidence, which can affect property market stability.
o Businesses may delay investment decisions, and consumers may become more cautious with significant purchases like property.
Impact on Interest Rates
o Tariffs can influence inflation. If tariffs lead to increased costs for goods, it could push inflation higher.
o Central banks, like the Bank of England, may respond by adjusting interest rates. Changes in interest rates directly affect mortgage affordability and, consequently, property demand.
o There is also the possibility, that due to the Tariffs, that the bank of England may lower interest rates to stimulate the economy. This would have the opposite effect, and make mortgages more affordable.
Effects on the UK Economy
o The UK’s economy is intertwined with global trade. Tariffs could disrupt supply chains and impact UK businesses, potentially leading to slower economic growth.
o A weaker economy can reduce consumer spending power and affect property demand.
Potential for Mortgage Rate Fluctuations
o As financial markets react to tariff-related uncertainty, there could be fluctuations in mortgage rates.
o Changes in swap rates, which influence mortgage pricing, could lead to variations in mortgage affordability.
Key Considerations for KhanMather Clients
Legal Implications
o Tariffs can affect international contracts and business transactions, potentially leading to legal disputes.
o KhanMather can advise clients on the legal implications of tariffs on their property investments and business dealings.
Property Investment Strategies
o Clients should be aware of the potential risks and opportunities that tariffs may create in the property market.
o KhanMather can provide guidance on navigating legal and contractual complexities related to property transactions during times of economic uncertainty.
Economic Monitoring
o It’s crucial to stay informed about economic developments and policy changes that could affect the property market.
o KhanMather can help clients stay updated on relevant legal and economic changes.
In Summary
While predicting the precise impact of tariffs is challenging, it’s clear they can introduce significant economic uncertainty. This uncertainty can ripple through the property market, affecting demand, affordability, and investment decisions. KhanMather can play a vital role in helping clients navigate these complexities and protect their interests.
If you have any questions regarding the above, please contact Hannah @ KhanMather on 0161 850 9911.
by Saqib Khan | Apr 1, 2025 | Conveyancing, General, Landlord and Tenant Law
Here at KhanMather, we understand that buying or selling a property is one of the most significant transactions in anyone’s life. It’s a process filled with legal intricacies, and staying ahead of the curve is crucial. That’s why we’re keeping a close eye on the government’s proposed changes to the TA6 form, set to be implemented in 2026.
What is the TA6 Form?
For those unfamiliar, the TA6 form, officially known as the Property Information Form, is a vital document in residential property transactions in England and Wales. It’s completed by the seller and provides crucial information about the property to the buyer. This includes details about boundaries, disputes, planning permissions, and environmental matters. It’s designed to ensure transparency and help buyers make informed decisions.
Why the Change?
The government’s decision to introduce a new TA6 form in 2026 stems from a desire to modernise the process and address evolving concerns in the property market. Key drivers include:
• Enhanced Transparency: The aim is to provide buyers with more comprehensive and accurate information, reducing the risk of post-completion disputes.
• Environmental Considerations: With increasing focus on climate change, the new form is expected to incorporate more detailed questions about energy efficiency, flood risks, and other environmental factors.
• Digitalisation: The government is pushing for greater digitalisation in property transactions, and the new TA6 form will likely align with this trend.
• Leasehold reform: With the ongoing leasehold reform, it is likely that leasehold properties will have more detailed questions.
What Can We Expect?
While the exact details of the new TA6 form are yet to be finalised, we anticipate the following:
• Expanded Environmental Questions: Expect more in-depth inquiries about energy performance certificates (EPCs), flood risk assessments, and the presence of potentially hazardous materials.
• Updated Boundary and Dispute Information: The form may include more specific questions about boundary disputes, rights of way, and other neighbourly matters.
• Improved Digital Integration: The new form may be designed for easier digital completion and submission, streamlining the transaction process.
• More detailed questions concerning leasehold properties: Due to the upcoming leasehold reform, it is likely that leasehold properties will have more detailed questions.
• Cyber security questions: With the rise of cyber crime, questions may be added to confirm that the seller has taken steps to secure their personal information.
What This Means for You?
For sellers, it’s crucial to start gathering relevant information well in advance of 2026. This includes ensuring your property’s documentation is up-to-date and addressing any potential issues that might arise during the disclosure process.
For buyers, the new TA6 form should provide greater peace of mind, offering a more comprehensive understanding of the property’s condition and history. However, it’s essential to seek professional legal advice to fully interpret the information provided.
How KhanMather Can Help?
At KhanMather, we’re committed to staying abreast of all legal developments in the property sector. Our experienced solicitors can:
• Provide expert guidance on the new TA6 form and its implications.
• Assist sellers in completing the form accurately and efficiently.
• Advise buyers on interpreting the information provided in the form and conducting thorough due diligence.
• Navigate any potential disputes that may arise during the transaction.
Looking Ahead
The introduction of the new TA6 form in 2026 represents a significant step towards a more transparent and efficient property transaction process. We encourage both buyers and sellers to stay informed and seek professional legal advice to ensure a smooth and successful transaction.
If you have any questions about the new TA6 form or any other aspect of property law, please don’t hesitate to contact Hannah at KhanMather on 0161 850 9911.
We’re here to help you navigate the complexities of the property market with confidence!
by Saqib Khan | Mar 27, 2025 | Conveyancing, General, Landlord and Tenant Law
The UK Government is making significant changes to property ownership, with the aim of abolishing the traditional leasehold system for flats in England and Wales. The goal is to make commonhold the standard tenure.
What’s Changing?
• Ban on new leasehold flats: The main proposal is to stop selling new flats under leasehold agreements.
• Commonhold as the new standard: Instead, commonhold ownership will become the norm. This means homeowners will own their flats outright, without a separate freeholder.
What Does Commonhold Mean for Flat Owners?
• Collective Ownership: Flat owners will collectively own and manage the entire building.
• Direct Control: You’ll have direct control over maintenance and related costs, eliminating ground rents.
• Part of an Association: When you buy a home, you’ll automatically become part of a commonhold association. This group will oversee the building’s management, either directly or by hiring a managing agent.
In Summary:
These changes aim to give flat owners more control and security over their properties by moving away from the leasehold system.
by Saqib Khan | Mar 21, 2025 | Landlord and Tenant Law
At KhanMather, we believe in the power of diversity. This Neurodiversity Week, we’re taking the opportunity to celebrate the unique strengths and perspectives of neurodivergent individuals, and to reaffirm our commitment to creating an inclusive and supportive workplace for all.
What is Neurodiversity?
Neurodiversity refers to the natural range of differences in human brain function. It includes conditions like:
• Autism Spectrum Disorder (ASD)
• Attention Deficit Hyperactivity Disorder (ADHD)
• Dyslexia
• Dyspraxia
• Tourette Syndrome
It’s important to recognise that neurodiversity is not a deficit model. Neurodivergent individuals possess unique strengths and talents that can be a tremendous asset to any organisation.
Why Neurodiversity Matters in the Legal Profession?
The legal profession thrives on diverse perspectives, problem-solving skills, and attention to detail. Neurodivergent individuals often excel in these areas, bringing valuable assets to the table:
• Unique problem-solving skills: Neurodivergent individuals may approach challenges from different angles, leading to innovative solutions.
• Strong attention to detail: Many neurodivergent individuals have a remarkable ability to focus and identify patterns or inconsistencies that others might miss.
• Creative thinking: Neurodiversity can foster creativity and out-of-the-box thinking, which is invaluable in the ever-evolving legal landscape.
• Resilience and Determination: Neurodivergent individuals often develop resilience and determination in navigating a world that isn’t always designed for them.
KhanMather’s Commitment to Inclusion
At KhanMather, we are committed to fostering an inclusive environment where everyone feels valued, respected, and empowered to reach their full potential. We recognise that creating a truly neurodiverse workplace requires ongoing effort and commitment. Here are some of the steps we’re taking:
• Awareness and Education: We provide training and resources to our employees to raise awareness about neurodiversity and promote understanding.
• Inclusive Recruitment: We are reviewing our recruitment processes to ensure they are accessible and inclusive to neurodivergent candidates.
• Reasonable Adjustments: We work with our employees to provide reasonable adjustments and support to help them thrive in their roles.
• Supportive Culture: We are committed to creating a culture of open communication, where employees feel comfortable discussing their needs and challenges.
This Neurodiversity Week, we encourage everyone to learn more about neurodiversity, challenge their assumptions, and celebrate the unique contributions of neurodivergent individuals. Together, we can build a more inclusive and equitable legal profession.
by Saqib Khan | Mar 13, 2025 | Conveyancing, General, Landlord and Tenant Law, Litigation, People
Purchasing a new-build home is often envisioned as a seamless transition into modern living. However, numerous homeowners across the UK have encountered significant challenges with unfinished estates, leading to frustration and legal concerns.
Common Issues Faced by Homeowners
Residents in various new-build developments have reported a range of issues, including:
• Unfinished Roads and Pavements: In Shrewsbury, homeowners on the Lilly Hay estate, developed by Taylor Wimpey, have been waiting up to five years for the completion of roads and pavements. The lack of proper infrastructure has resulted in uneven surfaces and potholes, posing safety risks and causing damage to vehicles.
• Non-functional Street lights: At Tadpole Garden Village in Swindon, residents have expressed frustration over non-functional street lights, contributing to safety concerns and an increase in local crime rates.
• Structural Defects: Some homeowners have discovered significant structural issues post-purchase, such as the absence of cavity-wall insulation, leading to increased energy costs and discomfort. Legal avenues, like the Defective Premises Act 1972, may offer recourse in such situations.
Legal Protections and Remedies
Homeowners facing these challenges have several legal protections and remedies available:
• Consumer Rights Act 2015: This act ensures that services provided, including construction work, must be performed with reasonable care and skill. If a developer fails to meet these standards, homeowners may be entitled to remedies such as repairs, replacements, or financial compensation.
• Defective Premises Act 1972: Under this act, homeowners can claim damages against developers for substandard work that results in defects, especially if building regulations have been breached. The Building Safety Act 2022 has extended the limitation period for such claims to 30 years, allowing homeowners more time to seek redress.
• New Homes Quality Code: This code mandates developers to provide clear and accurate information about the property. Failure to disclose significant details, such as the erection of large structures near homes, can lead to compensation claims, as seen in Newcastle where a couple was awarded £700 after a 40-foot fence was built outside their property without prior notice.
Steps for Homeowners
If you’re experiencing issues with your new-build property:
1. Document All Issues: Keep detailed records of defects, including photographs and correspondence with the developer.
2. Communicate with the Developer: Report problems promptly and allow the developer an opportunity to address them.
3. Seek Legal Advice: If issues remain unresolved, consult with one of our solicitors to understand your rights and potential legal actions.
4. Utilise Dispute Resolution Services: Engage with independent schemes or ombudsman services designed to handle disputes between homeowners and developers.
Conclusion
While new-build homes offer the promise of modern amenities and design, it’s crucial for homeowners to be vigilant and informed about their rights. Should issues arise, legal frameworks are in place to protect consumers and ensure that developers meet their obligations.
At Khan Mather Solicitors, we are committed to assisting homeowners in navigating these challenges and securing the homes they were promised.
